credit score

[Wizard]

Thanks! Don't really wanna wait 6 months though...

You may not need to. I'm not familiar with that case, but perhaps 6 months was because of new SSN? Sign her up for creditScorecard.com and monitor her score until it's at a place you're comfortable applying for the cards you want.

[yitrap]

Thanks! Don't really wanna wait 6 months though...

You don't have to, I've done it 3 months after adding it just may be harder

[chayal101]

You may not need to. I'm not familiar with that case, but perhaps 6 months was because of new SSN? Sign her up for creditScorecard.com and monitor her score until it's at a place you're comfortable applying for the cards you want.

Thanks everyone! I'll keep an eye on her credit score and we'll take it from there...

[Wizard]

Thanks everyone! I'll keep an eye on her credit score and we'll take it from there...

You're welcome. Hatzlacha!

[Bmore52]

Will chase approve me for a business and personal in one day? I'm trying to the ink preferred(for a new business) and united cards. Also I have 3 opened accounts in the last 75 days(latest March31).Is it prudent to get more cards now as I only have 5 total?

[GAM Z.]

Will chase approve me for a business and personal in one day? I'm trying to the ink preferred(for a new business) and united cards. Also I have 3 opened accounts in the last 75 days(latest March31).Is it prudent to get more cards now as I only have 5 total?

FYI , chase has been shutting a lot of new accounts if they seem risky, so you might want to tread carefully.

[as2]

FYI , chase has been shutting a lot of new accounts if they seem risky, so you might want to tread carefully.

+1

[rileywiles23]

Does discover and wells Fargo use the same FICO score algorithm ?
If not, which one is the real FICO score that the banks use for cc apps ?

[PillanSmye]

Does discover and wells Fargo use the same FICO score algorithm ?
If not, which one is the real FICO score that the banks use for cc apps ?

You need to check the creditpulls database on creditboards and see what CRA those issuers are using where you live.

[S209]

Does discover and wells Fargo use the same FICO score algorithm ?
If not, which one is the real FICO score that the banks use for cc apps ?

Neither are your true FICO score which banks use. Although I have found that they usually tell you your true score on approve or denied applications return mailers

[ChaimMoskowitz]

Does discover and wells Fargo use the same FICO score algorithm ?

Disc - FICO® Score 8 - TransUnion Data
WF - FICO® Bankcard Score 2 - Experian Data

[mendy from lakewood]

An update on a previous  post of mine in which I can't seem to find. I had a hospital bill sent to collections and was already on collection for a few years so I asked if it's better to pay or wait until it falls off credit report. Well I waited it out and today it dropped off of my credit report and experian score jumped for 690 to 755! Interesting though that this dropped off my credit report after 5 years not 6 or 7 like I was told!

[Emkay]

An update on a previous  post of mine in which I can't seem to find. I had a hospital bill sent to collections and was already on collection for a few years so I asked if it's better to pay or wait until it falls off credit report. Well I waited it out and today it dropped off of my credit report and experian score jumped for 690 to 755! Interesting though that this dropped off my credit report after 5 years not 6 or 7 like I was told!

Not that it matters anymore but here it is.
http://forums.dansdeals.com/index.php?topic=49545.msg1407606#msg1407606

[israel11219]

how could i get my current EQ fico? when i check on my citi acct it gives me my FICO from 6/27/17! how could i make it current?
thanks

[HKFS]

how could i get my current EQ fico? when i check on my citi acct it gives me my FICO from 6/27/17! how could i make it current?
thanks

http://www.experian.com/

$1 trial gives you FICOs for all three reports.

[israel11219]

http://www.experian.com/

$1 trial gives you FICOs for all three reports.

for the current date when you request?

[JACKBLUE]

for the current date when you request?

yes

[doovid d]

Anyone have a way to get free credit monitoring from experian(not a trial)ex.from a hacked entity...(like after staples or target)

[Yitzshpitz]

I called experian to make a credit pull dispute. They said i had to call amex but with amex you have to mail in a form. Who else do i call for my dispute? (I thought i remember calling experian before for previous disputes)

[maylei]

What is the quickest/best way to raise my wife’s credit score